SWP Calculator
Calculate your systematic withdrawal plan with our SWP calculator and plan your future finances to ensure a better & great life after retirement.
S.W.P. meant for Systematic Withdrawal Plan, designed to provide a consistent income source, to maintain your financial balance regularly. With an initial lump sum investment from your current income before your retirement,
you can achieve the best and most joyful future planning. Use the calculator below to create your plan.
What is a Systematic Withdrawal Plan?
It simple means a plan for future finance, in planning of future financial there are several things to be consider as your key factor, so it doesn’t affect your plans,
SWP gives you flexibility of saving and secure your after retirement phase, let suppose you have mindset that you want consistent income even after your retirement,
here’s simple solution come in your life systematic withdrawal plan which help to maintain your pocket healthy even after retirement, in order to make this decision you have initial lump-sum investment amount,
which you invest that amount for n period of time, and well known return rate, monthly desired withdrawal amount that's it, ready to go with let do with some numbers.
Initial Investment - 5,00,000
Monthly withdrawal - 5000
Return Rate - 10%
Period - 5 Yrs
Final Balance - 4,22,449
How does SWP Benefit you?
Creating a Sys. Withdrawal Plan provides various benefits to senior citizens and retirees who mostly rely on pensions. However, an SWP offers a consistent monthly financial benefit that is more advantageous. Its key benefits include:
It ensures a monthly income source that becomes the backbone of your financial life while maintaining the ROI on your total investment. Use our calculator to plan your SWP.
Going ahead with an SWP is easier and provides the flexibility of monthly withdrawals as per your desire, calculating the amount at maturity accordingly.
It doesn’t require any expertise; you can proceed with online companies that help you create your SWP.
Understanding the core of SWP
It's mainly designed to structure your future financial, systematic withdrawal plan(SWP), there is certain amount which want to funds them in your future need where it comes the help of this, you wish to plan fixed amount to be withdraw each month when your other income sources are less,
more simple it will be your big brother who each month make your pocket happy for your needs, planning this with our calculator is more easy and understandable.
Calculate SWP with Example
Let's take an example of an individual who invested 1,00,000 for a period (tenure) of 1yrs., with monthly withdrawal of 2000. On Return at 12%, Here how the calculation will be done for these numbers.
| Month | Initial funds | Withdrawal | Gained Interest |
| 1 | Rs. 100,000 | Rs. 2,000 | Rs. 980 |
| 2 | Rs. 97,950 | Rs. 2,000 | Rs. 970 |
| 3 | Rs. 96,909 | Rs. 2,000 | Rs. 959 |
| 4 | Rs. 95,858 | Rs. 2,000 | Rs. 949 |
| 5 | Rs. 94,797 | Rs. 2,000 | Rs. 939 |
| 6 | Rs. 93,725 | Rs. 2,000 | Rs. 928 |
| 7 | Rs. 92,642 | Rs. 2,000 | Rs. 917 |
| 8 | Rs. 91,549 | Rs. 2,000 | Rs. 906 |
| 9 | Rs. 90,444 | Rs. 2,000 | Rs. 895 |
| 10 | Rs. 89,329 | Rs. 2,000 | Rs. 884 |
| 11 | Rs. 88,202 | Rs. 2,000 | Rs. 873 |
| 12 | Rs. 87,064 | Rs. 2,000 | Rs. 862 |
Frequently Asked Questions
What is the purpose of SWP?
This is Designed to structure future finanace of retirees & senior citizens, who want consistent income in their rest period after retirement
How to use SWP Calculator?
Using this Calculator is more easier, before creating your plan you must have your key component for calculation, which are Initial Investment, Each Month Withdrawal Amount, Expected Return Rate, Tenure of Investment, these matrics will help you create your future plan, just put those number with above calculator, and it show you result for the numbers.
Can I set Monthly Withdrawal Accordingly?
Yes, you can set your desired monthly withdrawal according your needs.